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Whether you’re an early bird or a night owl, we provide business lending on your schedule. Our online loan portal reduces the application process timeline by 23 hours or more – saving you precious time to focus on running your company.

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With a Pre-Approved Loan (PAL) check you enjoy the purchase power you need to make your next auto buying experience a breeze.
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1. Apply Online
Submit an application online, in person, or over the phone.
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2. Get approved
Receive your loan documents in-branch or via next day mail.
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3. Sign your PAL check
Just make the check payable to the dealer!
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4. Drive away in a new car
We’ll confirm your purchase details and final loan info.
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Free Checking

Enjoy worldwide access to your account 24/7.

  • Free! Absolutely no monthly service fee or balance requirement
  • Free e-Statements
  • Free first order of checks
  • Free VISA® DEBIT chip card 
  • Free bill pay, direct deposit, and remote deposit
  • Free overdraft protection from your savings accounts and/or with an overdraft line of credit

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Money Market

Earn money while maintaining access to your funds.

  • Earn dividends1
  • Easy access to funds via check
  • Balances greater than $250,000 receive up to $250,000 in additional coverage through Excess Share Insurance Corporation, at no cost to you

Open a Money Market Account

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Vehicle Loan Rates3

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
New Vehicles
APR* as low as
5.20%
-
Terms
36
Est. Monthly Payment
$30.06
APR* as low as
5.80%
-
Terms
48
Est. Monthly Payment
$23.39
APR* as low as
6.10%
-
Terms
60
Est. Monthly Payment
$19.38
APR* as low as
6.40%
-
Terms
72
Est. Monthly Payment
$16.76
APR* as low as
6.90%
-
Terms
84
Est. Monthly Payment
$15.04
APR* as low as
7.40%
-
Terms
96
Est. Monthly Payment
$13.83
Used Vehicles
APR* as low as
6.00%
-
10.20%
Terms
36
Est. Monthly Payment
$30.42-$32.36
APR* as low as
6.20%
-
10.50%
Terms
48
Est. Monthly Payment
$23.58 - $25.60
APR* as low as
6.50%
-
10.50%
Terms
60
Est. Monthly Payment
$19.57 - $21.64
APR* as low as
6.80%
-
11.10%
Terms
72
Est. Monthly Payment
$16.95 - $19.09
Boat Loans
APR* as low as
7.50%
-
Terms
Up to 120
Est. Monthly Payment
$13.24 - $31.11
Recreational Vehicle Loans
APR* as low as
7.25%
-
Terms
Up to 120
Est. Monthly Payment
$13.10 - $30.99

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR* as low as
10.25%
Terms
Up to 72
Line of Credit
APR* as low as
12.50%
Terms
N/A
Share & Certificate Secured Loan
APR* as low as
Current +2%
Terms
N/A
Home Improvement Loan
APR* as low as
11.75%
Terms
Up to 120

Checking Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Share Draft/Checking
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
None
Money Market
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
<$2,500
Money Market
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
1.10%
APY*
1.10%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
1.35%
APY*
1.35%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
1.50%
APY*
1.50%
Minimum Balance to Open
$250,000+

Savings Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Basic Savings
Dividend Rate
0.10%
APY*
0.10%
Minimum Balance to Open
$5.00
Club Accounts
Dividend Rate
0.10%
APY*
0.10%
Minimum Balance to Open
None
Coverdell ESA
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Brilliant Kids Savings
Dividend Rate
10.00%
APY*
Minimum Balance to Open
$5.00

Home Equity Rates

Loan Type
Term (Years)
Rate
APR*
Variable Home Equity Line of Credit
Term (Years)
up to 25
Rate as low as
8.25%
APR* as low as
8.25%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
11.25%
APR* as low as
11.25%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
12.25%
APR* as low as
12.25%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
3/1 ARM
Term (Years)
30
Points
0.00
Rate
6.125%
APR* as low as
6.172%
10/1 ARM (ITIN)
Term (Years)
30
Points
0.00
Rate
8.375%
APR* as low as
8.429%
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
7.125%
APR* as low as
7.175%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
6.750%
APR* as low as
6.814%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.625%
APR* as low as
6.705%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.625%
APR* as low as
6.737%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.625%
APR* as low as
7.677%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
2.55%
Minimum Balance to Open
2.58%
Minimum Balance to Open
$500
IRA 12 months
APY*
2.99%
Minimum Balance to Open
3.03%
Minimum Balance to Open
$500
IRA 24 months
APY*
4.00%
Minimum Balance to Open
4.07%
Minimum Balance to Open
$500
IRA 36 months
APY*
3.88%
Minimum Balance to Open
3.95%
Minimum Balance to Open
$500
Share 06 months
APY*
2.55%
Minimum Balance to Open
2.58%
Minimum Balance to Open
$500
Share 12 months
APY*
2.99%
Minimum Balance to Open
Minimum Balance to Open
$500
Share 24 months
APY*
4.00%
Minimum Balance to Open
Minimum Balance to Open
$500
Share 36 months
APY*
3.88%
Minimum Balance to Open
Minimum Balance to Open
$500
Share 48 months
APY*
3.78%
Minimum Balance to Open
Minimum Balance to Open
$500
Share 60 months
APY*
3.74%
Minimum Balance to Open
Minimum Balance to Open
$500

Interested in learning more? We’d love to speak with you.

Fill out our form and a representative from Spectra CU will be in touch as soon as possible.

Interested in learning more? We’d love to speak with you.

Fill out our form and a representative from Spectra Investment Services will be in touch as soon as possible.
Contact

Horace Daniel ChFEBC, CRPC
conferred by College for Financial Planning
LPL Financial Advisor
‍(301) 839-8826

‍Madea Badio
Program Coordinator
mbadio@spectracu.com
(301) 749-4806

Disclosures

*APY = Annual Percentage Yield

For all Money Market accounts:

1Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

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5440 Cherokee Ave, Ste 200
Alexandria, VA 22312-2321

(301) 839-8400
(800) 526-6661
Routing/ABA # 254075043
NMLS# 491160
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